The main topic of the project is the change of the housing financial system in Hungary (credits for buy or built flats), the role of banks, mortgage banks and another specialized banks in this process, the system of subsidies and they effects for housing construction, for buying new or old flat, for modernize, or enlarge. We analised my database and questionnarie, granted the housing credits and subsidies by aims, by number of pieces and by sum. We accounted the main indicators of the housing financial system.